HDFC Bank Loan on Credit Card Steps to apply in NetBanking & …

HDFC Bank ? Loan on Credit Card ? Steps to apply in NetBanking & FAQs

Using NetBanking for the first time? Steps to Login .................................................................................................... 2 Registering a new credit card / credit card not shown in NetBanking ......................................................................... 2 Steps to apply for Insta Loan in NetBanking ................................................................................................................ 3 Steps to apply for Insta Jumbo Loan in NetBanking..................................................................................................... 7 Steps to apply for SmartEMI in NetBanking................................................................................................................10 What is difference between Insta Loan & Insta Jumbo Loan? ....................................................................................13 What is the EMI and monthly payment for Insta Loan / Insta Jumbo Loan / SmartEMI? ...........................................13 Is the interest rate shown in NetBanking is per month or per annum? ......................................................................13 Is the interest rate reducing or flat? ...........................................................................................................................13 How to calculate the interest rate per month or interest rate per year?....................................................................14 Processing Fees, Pre-closure charges and other Terms & Conditions .........................................................................14 Is there any documentation to be submitted? ...........................................................................................................14 What is the billing date and payment due date for Insta Loan / Insta Jumbo Loan / SmartEMI? ...............................14 How to make payment for Insta Loan / Insta Jumbo Loan / SmartEMI?.....................................................................14 What is the disbursement time for Insta Loan / Insta Jumbo Loan / SmartEMI? ........................................................14 How to check the available credit limit?.....................................................................................................................15 What is the promo code to be entered in the loan booking page? .............................................................................15 After loan disbursal, How to check the active loans, EMI and repayment schedule? .................................................15 Know more about Insta Loan / Insta Jumbo Loan / SmartEMI ...................................................................................15

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Using NetBanking for the first time? Steps to Login

To Login to HDFC Bank NetBanking, you will need your Customer ID & NetBanking Password (also known as IPIN). If you don't know your Customer ID, click here If you know your Customer ID and have not registered for NetBanking, click here to register.

Enter your Customer ID & click `Go' Confirm your registered mobile number Input the OTP (OTP is a One Time Password that is valid for only one specific transaction

which you have received on your mobile) Select your Debit card & Input the Debit Card details. Set your IPIN. IPIN is your NetBanking password which shouldn't be shared with anyone. Login to NetBanking with Customer ID and NetBanking Password (IPIN). To login to NetBanking, click here or copy paste the below URL in an internet browser (Chrome / Internet Explorer, Mozilla, etc) and press enter NetBanking URL:

Registering a new credit card / credit card not shown in NetBanking

In case your card number is not listed in the drop-down, please register your credit card by clicking Request in the left side menu & then Register New Card.

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Steps to apply for Insta Loan in NetBanking

1. Login to HDFC Bank NetBanking with your Customer ID & NetBanking Password. If you are using NetBanking for the first time, click here If you forgot your NetBanking Password (IPIN), click here to reset.

To login to NetBanking, click here or copy paste the below URL in an internet browser (Chrome / Internet Explorer, Mozilla, etc) and press enter. NetBanking URL:

Click Login

Enter your Customer ID Click Continue

Enter your NetBanking Password

Tick the check box confirming secure access image and message

Click Login

2. After successful login, Click on Cards tab 3. In the menu on the left side of the screen, Click Transact & then Insta Loan

Click on Transact

Click on Cards tab

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Click on Insta Loan

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4. Select a card number from the drop-down & Click Continue

Select Your Credit Card No Click Continue

In case your card number is not listed in the drop-down, click here to know the steps for registering your credit card.

5. If your Credit Card is eligible for Insta Loan, then the loan application page with the eligible loan amount will be shown. Select the savings account that is eligible for loan credit as mentioned in the terms & conditions.

This is the Maximum Loan Amount that you can avail provided the loan amount is less than or equal to Available Credit Limit

Enter Loan Amount

Choose Tenure and Interest Rate

Choose Your Savings A/c with same Customer ID as your Credit Card

Click Continue

Read Terms & Conditions and accept the same by selecting the tick box. Processing fees will be mentioned in the terms & conditions

EMI shown above is exclusive of Service Tax. To view the monthly repayment schedule including Service tax, visit emicalc In the EMI Calculator, kindly choose the value for `You are entering Interest Rate' field as `per annum' and enter the interest rate shown in NetBanking for the specific tenure.

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Loan amount should be less than or equal to Available Credit Limit. e.g. Eligible Loan amount is 2,80,500 & Available credit limit is 2,22,275. Then, the loan can be availed only upto 2,22,275. Please note the processing fees will be charged as mentioned in the terms & conditions after loan booking. Hence, enter the loan amount so that there is sufficient available credit limit for charging processing fees or else the credit card account will go into overlimit and charges as applicable will be levied.

To know the Available Credit Limit in your credit card, please click Enquire in the left side menu & then Account Information. After checking the available credit limit, please click Transact > Insta Loan and follow the above steps to book the loan.

6. On clicking Continue in the loan application page, the loan confirmation page will be shown.

Verify the loan details. If you want to change, click Back

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After verifying the loan details, Click Confirm

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